FirstOntario Credit Union


Member Value Program (MVP)

As members of Unifor Local 199, you’re eligible for FirstOntario’s exclusive Member Value Program (MVP). Enjoy preferred rates on mortgages, personal loans/personal lines of credit, term deposits and more. Plus, MVP recipients receive a complimentary portfolio review, financial literacy sessions and special offers through FirstOntario sponsored venues and partners (subject to availability).

To learn more, contact

Thinking About Retirement? Not Sure What Pension Option is Best for you? Reach out to a FirstOntario Financial Advisor

FirstOntario’s wealth team offers a diverse range of expertise to help you reach your financial goals all the way through to your retirement and beyond. We are here to help you understand your current situation and evaluate your options when it comes to securing your financial future, managing your investments and your retirement- even your early retirement.

Our team of advisors have the knowledge to help you with your Commuted Value Pension – whether you are unsure about annuities, have tax implication questions, or opted for a self-directed investment portfolio. They’re here to help you make the most of your money for you and your family.

To talk to a trusted advisor, please call 1-800-616-8878 or email


2.5 Year Fixed Loan as Low as 5.24%*

(Image attached: LOAN)

Reduce Financial Stress. Make Life a Little Easier. Want to consolidate credit card balances or loans to make managing debt easier and more affordable? We’re here to help. Our fully protected loan special is available remotely, without the need to visit a branch. Visit online at or call us at 1-800-616-8878 for more details.

Canadian & Global Market Linked GICS (Image attached: MLGIC)

A worry-free investment with nowhere to go but up. Principal protected. Earnings expected. Interested in an investment that offers market performance growth opportunity and all the security of a traditional GIC? Our new market-linked GICs could be right for you. Visit us online at or call us at 1-800-616-8878 for more details.

Wealth Services and Investment Advice

At FirstOntario our focus is on helping our Members achieve and maintain financial independence. Our highly qualified advisors are among the best in the financial services industry. Each has more than a decade of experience and they use their knowledge and expertise to work with you to bring more wealth into your life. No matter what stage of life you are in, our team can help bring you a fresh perspective on your finances.

Learn more at

U.S. Savings Accounts

Build up your U.S. savings while you earn interest without having to worry about exchange rates. If you regularly use American money, are a frequent visitor across the border or currently enjoying a FirstOntario U.S. Dollar chequing account, this savings account will be the perfect addition. Plus, this account is available to our Business Members too! Learn more at

Get the Hamilton Tiger-Cats Debit Card!

FirstOntario Credit Union is the official financial institution of the Hamilton Tiger-Cats, and so as a FirstOntario Member with a Tiger-Cats debit card, you have access to some great benefits including:

  • 10% savings on purchases at the Ticats Shop when you use your card
  • First-in-line VIP access when you show your card at Gate 2
  • Pre-game sideline field access when you show your card
  • Access to exclusive contests and prizes.

About us

More than 126,000 people choose FirstOntario when it comes to their finances. From chequing and savings accounts to mortgages, loans, business services and highly qualified investment advice, our credit union offers you more than just an account. Have you thought about becoming a Member? You should. At FirstOntario, our Members are owners. That means you have a say and we value your thoughts and ideas. As a Member (and a shareholder), you can run to be on our Board of Directors and you can vote for your Board Directors. You have a voice and we want to hear it.

Our roots

We started in 1939 with a group of employees when we created Stelco Employees Credit Union and our values were the same. We make the most of your hard—earned money and we’re there to get you through the ups and downs of life. Here’s how we came to be.

1939 – Stelco Employees Credit Union opens to employees only
1987 – Stelco Employees Credit Union becomes Avestel Credit Union, open to everyone
1999 – Avestel and Family Savings & Credit Union merge
2000 – Avestel Family Savings Credit Union becomes FirstOntario Credit Union
2010 – FirstOntario merges with Prime Financial and Canal City Savings and Credit Union
2013 – FirstOntario merges with Rochdale Credit Union

We’ve been here for our Members for 80 years for a reason- our continued success is achieved with pride and a dedicated commitment to our Members and our communities in Hamilton, Halton, Niagara and the southwest regions. Some things never change.


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